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With thousands of investment selections available through the
Self-Directed Brokerage Account, the Fiat Chrysler Automobiles (FCA) Salaried Employees' Savings Plan (SESP) and
UAW Savings Plan 401(k)'s are among the best in the
country. With this large number of investments, there is ample opportunity to build a well diversified portfolio for your
FCA 401k
savings.

To the right you will find articles of interest as well as news
and updates to FCA employee and retiree benefits. Check this page for future
updates to the SESP and UAW Savings Plan, as well as news that affects FCA employees
and retirees.

News and Updates

FCA Offers Pension Lump Sum Payments –
September 2016Fiat Chrysler Automobiles
(FCA) has announced it will offer
approximately 7,300 salaried employees that have a vested pension with Chrysler,
are separated, and have not started receiving their pension, the option to
receive a voluntary lump sum pension benefit payment. This group will be offered
one of three options.

1. Receive the pension in a Lump Sum
2. Begin receiving monthly pension payment as early as December 2016, or
3. Wait to receive the monthly pension payment as specified under the terms of
the plan

FCA retirees and former employees impacted by this offer
will receive an Election Kit, Decision Guide, and Tip Sheet by mail in the next
few weeks. However, there are several situations that would result in a person
being excluded from this offer.

By taking advantage of the lump sum pension
payment option, FCA retirees and former employees may reduce many potential
pension risks including longevity risk due to inflation, tax risk, and mortality
risk. Most importantly it will completely eliminate "PBGC risk" - the risk that
monthly pension payments are someday reduced by the Pension Benefit Guaranty
Corporation. However, whether to take a lump sum payment or not is based on
one’s personal situation and these factors deserve individual attention and
should be reviewed with a qualified professional.

If you would like assistance
in navigating this very important retirement decision, contact one of our
Certified Financial PlannersTM toll-free at 1-866-444-6246.

UAW Savings Plan – November 2015
Effective January 1, 2016 the FCA US LLC Hourly Employees’ Deferred Pay Plan
(the HDPP) will be renamed to the FCA US LLC UAW Savings Plan (the “UAW Savings
Plan”) in recognition that it now includes all UAW members. Unlike the HDPP, the
UAW Savings Plan has an added feature that allows contributions on an after-tax
basis. The UAW Savings Plan also has
additional enhancements related to hardship withdrawals, bonus deferrals into
the Roth, loan provisions, and company defined contributions.

If you have questions about these changes or how they will
impact your retirement plan, contact Mainstay Capital Management toll-free at
1‑866‑444‑6246.

FCA Plan Update – November 2015
Effective December 31, 2015 FCA will discontinue contributions to the Employee Managed Retirement
Plan (EMRP). In lieu of these contributions, beginning January 1, 2016 FCA will make an automatic contribution to the 401(k) and set up a company match. The automatic contribution will be 3% of the annual base salary. The match will be $.50 on each dollar contributed, up to 10% of your base pay, for a maximum 5% company match.

To maximize the company match, FCA employees will need to contribute 10% of their base salary into the 401(k).
If you have questions about these changes or how they will impact your retirement plan, contact Mainstay Capital Management toll-free at 1 866 444 6246.

Chrysler PLM Award Payout – January 2014
The election window for Chrysler salaried employees for the disbursement of
their 2013 Performance and Leadership Management (PLM) Award into the Salaried
Employees’ Savings Plan (SESP) is open for one week. All deferral
elections will need to be made between January 30th and February 6th at 3:00 PM
(EST). If eligible, participants may contribute up to 100% (less mandatory
withholdings) in 1% increments.

Participants should be sure to review their current deferral
election to confirm it is in line with their desired deferral for the PLM.
Participants may need to make adjustments to the current election under the
“Base Only” or “Total Contribution” options prior to the deadline.

Keep in mind, any deferred PLM Award will be applied toward
the annual 401(k) contribution limit. The IRS limit for pre-tax contributions in
2014 is $17,500, with an additional $5,500 for participants age 50 or older. If
the PLM deferral takes the participant to the contribution limit, any remaining
amount will be paid in cash.

If you would like to discuss your PLM Award payment and the
deferral options, do not hesitate to contact Mainstay toll-free at
1-866-444-6246.

Chrysler Pension Freeze – June 2013
Chrysler announced it will freeze pension benefit accruals as of December 31, 2013 in the Chrysler LLC Pension Plan (CPP), Chrysler Group LLC Salaried Employees’ Retirement Plan (SERP), and the Chrysler Group LLC Executive Salaried Employees’ Retirement Plan (ESERP). Effective with the freeze, the company will instead make contributions to an Employee Management Retirement Plan (EMRP) account that is managed by the employee. Chrysler has also revised factors in their defined benefit pension formula to allow
"retirement eligible" employees to receive 100% of accrued benefits earlier at age 58, revised from age 62, for those retiring on or after January 1, 2014.

If you have questions about the pension freeze, how you should manage the contributions in the EMRP, or how these changes will impact your retirement plan, contact Mainstay Capital Management toll-free at 1‑866‑444‑6246.

Chrysler 401(k) Plan Overhaul – January 2013
The Chrysler Salaried Employees’ Savings Plan, Hourly Employees’ Deferred Pay Plan, and the Employee Managed Retirement Plan will undergo a significant overhaul beginning January 30, 2013 and closing on March 1, 2013. All current choices in the Core Investment Menu will be removed from the Savings Plans at the end of the election period.
If you do not reallocate your funds during the election window, automatic investments will take place on your behalf.

If you have questions about the plan overhaul and how your account should be invested in light of this announcement, contact Mainstay Capital Management toll-free at 1‑866‑444‑6246.

SESP & HEDPP Fund Change Announcement – September 2012
Chrysler has announced a fund change affecting the Salaried
Employees’ Savings Plan (SESP) and the Hourly Employees’ Deferred Pay
Plan (HEDPP). As of the close of business (4:00 PM EST) Friday, October 5, 2012,
the Friess Small Cap Growth Portfolio will be removed from the plans.

All remaining balances and future contributions
will be transferred to the Eagle Small Cap Core Portfolio. The Eagle Small Cap Portfolio
is currently an option in the plans.

Chrysler Plan Change – August 2011The
Chrysler Stable Value Fund A investment option was removed from the SESP and HEDPP
savings plans on August 26, 2011.

The new investment option, Institutional Money Market Portfolio,
provides a similar investment objective as the Chrysler Stable Value Fund, however
differs in risk and return characteristics.

If you have questions about this change to the plan or any other
plan provisions, contact Mainstay Capital Management toll-free at 1-866-444-6246.

SEIDP & ESSP Will No Longer Accept Deferrals
Chrysler announced changes that will affect the participants
of the Salaried Employees’ Income Deferral Plan (SEIDP) and the Executive
Employees’ Supplemental Savings Plan (ESSP).

Effective January 2009, the SEIDP and the ESSP plans will no longer
accept deferrals. In addition, all distribution elections previously in effect are
cancelled and your total account will be distributed to you as a lump sum in January
2009. However, if you do not want to receive the lump sum distribution in January
2009, there are two alternatives.

First would be to elect to receive the lump sum in any year 2010 through
2013;

Second alternative is to receive up to five annual installment payments
in years 2009 to 2013.

Elections regarding the distribution of your lump sum must be
made by December 31, 2008. If you would like assistance in choosing an option as
it relates to your personal financial plan, do not hesitate to call us toll-free
at 1-866-444-6246 to speak with a Financial Advisor.

For questions regarding any of the Chrysler Savings Plans, feel
free to contact Mainstay Capital Management toll-free at 1‑866‑444‑6246 or send
an email to
mainstay@mainstaycapital.com.

Effective December 12, 2008, DWS Dreman High Return Equity Fund,
Fidelity Dividend Growth Fund, and Goldman Sachs Structured Small Cap Collective
Trust will be eliminated from the Savings Plans. Assets in these funds and future
contribution to these funds will be transferred to the new funds at the close of
business on December 12, 2008, accordingly:

Current

New

Dreman High Return Equity Fund

NewWest Large Cap Intrinsic Value Fund

Fidelity Dividend Growth

KeyBank EB Diversified Stock Fund

Goldman Sachs Structured Small Cap
Collective Trust

Eagle Small Cap Core Portfolio

As of December 17, 2008 the three new investment options will
be available in the Savings Plans and participants will be able to access their
transferred investments and make changes to how their account balance is allocated
or how their future contributions are to be directed.

Fund Commentary

Chrysler Target Date FundsThe Chrysler Target Date fund family is designed
for those participants who wish to base their asset allocation decision on a
specific target date, typically aligning the account with the fund that most
closely matches their projected retirement date.

Twelve of these funds are included in the plan, with 5-year incremental
targets from 2005 to 2055, along with a fund targeted as an Income Fund. The way
the target retirement funds are designed, the further away the target date, the
more aggressive the asset allocation, conversely, the closer the date, the
greater the emphasis on preservation of capital in the asset allocation.

These funds hold some appeal in that they are simple to explain and
administer. While this approach is unique, we believe the asset allocation
decisions provided by these funds are crude at best. Target date funds attempt
to make decisions about asset allocation based solely on a target date. An
investor’s tolerance for risk and financial goals are other key factors that
should largely play a role in determining the investment strategy and asset
allocation. Additionally, they leave no room for the fund manager to tactically
adjust the strategy based on specific opportunities within the financial markets
or in response to prevailing market conditions.

The returns realized in these commingled vehicles are diluted by a rigid
adherence to mechanical allocation parameters. These parameters may prove to be
shortsighted and inappropriate for everyone participating in the pool. The real
world changes every day, yet proponents of target date funds expect someone to
stick to a single game plan for as much as 40 years, whether interest rates are
rising or falling, or whether the economy is in expansion or recession. While
target date funds offer a simple one-stop-solution, we continue to advise
participants to avoid target date funds and retain the flexibility to
proactively adjust their portfolios as needed.

If you have any questions concerning our website or your Chrysler
401(k) account, please feel freeto contact us using the following e-mail link:
Mainstay@mainstaycapital.com
or call us toll-free at 1‑866‑444‑6246.